Going back to the original question: No, I didn't feel I was ripped off.
My only caveat is that you should expect to pay 15% more than was quoted for a PPL/CPL/ME/IR. Remember, they may call them 'quotes' but in reality they are merely 'estimates'. Legally speaking, a quote is a fixed price and I've never heard of a modular course being of fixed cost. Integrated courses probably are.
The extra 15% is due to going over the minimum hours (IMHO 95% of pilots do), fuel surcharges, 'hidden' costs such as approach, hold and landing fees, inflation between the date you start the PPL and when you start the other courses, and often your own decision to incur extra flying costs to ensure you pass (for e.g. after three weeks waiting for the weather to allow a test attempt you might do an hour's flying to sharpen your skills before the big day!).